Petsecure : the friendliest pet insurance company in Canada

Friendly service and lifetime plans!

When I phoned up Petsecure to find out more information about the pet secure insurance plans, I was greeted warmly by Amaury. He was friendly, helpful and full of information. Any plan, or question he had the answer! He said to ask for him the next time I call!

Since 1989, Pet secure has written more plans for cats and dogs than ANY other Canadian pet insurance company and has paid out over $100 million in pet insurance claims in past 20 years (almost as much as Pethealth which is the largest pet insurer in North America!).

Plus, they are the only company in Canada that may cover pre-existing conditions if the pet has been symptom free for 6 months. This is reviewed on a case-by-case basis.

Quick information:
• Lifetime insurer, as long as you remain insured with them.
• Can upgrade or downgrade at anytime.
• AND- NO lifetime limits… so if your dog gets diabetes, the medical amounts never run out over their lifetime…
Petsecure says to keep in mind that 75-80 % claims are illness… so make sure that these are covered. I agree, no point in spending all the money in insurance, and then not have coverage when your pet gets sick.

Please let me know if you decide to use PetSecure for your pet, and please leave a Review
so we can know if they’re as good as I think they are. Thank you- pass it forward! Or check reviews of the pet secure and canadian companies here.

*Age – specific medical records are needed for dogs over 8 or cats over 10.

**Price per month depends on the deductible and breed and age of dog or cat. The larger the deductible, the less you pay per month.

Detailed coverage Chart for Petsecure

Economy Accident only

Economy Accident and Illness

Secure1 (20%)

Secure2 (20%)

Secure3 (20%)

Secure4 (20%)

Vet fees Accident

$2000 /accident

$2000 /accident

$1000 /accident

$2500 /accident

$5000 /accident

Unlimited/ accident

Vet fees- Illness

0

$500 /all illnesses /yr

$1000 /condition /year

$2500 /condition /year

$5000 /condition /year

Unlimited/ condition /year

Routine Care

–

–

–

–

–

yes

Hereditary Conditions

yes

yes

yes

yes

yes

yes

Hip dysplasia

yes

yes

yes

yes

yes

yes

Death

–

–

–

–

–

–

Cremation

–

–

$1000 /yr

$1000/yr

$1000/yr

$1000/yr

Euthanasia

–

–

Yes inc. illness

Yes inc. illness

Yes inc. illness

Yes inc. illness

Boarding

–

–

$1000/yr

$1000/yr

$1000/yr

$1000/yr

Holiday

–

–

$1000/yr

$1000/yr

$1000/yr

$1000/yr

Cover Abroad

USA only

USA only

USA only

USA only

USA only

USA only

Behavioural problems

–

–

$350 /yr

$350/yr

$350/yr

$350/yr

Prescription meds

–

Included in illness

Included in illness

Included in illness

Included in illness

Included in illness

Dental

–

–

$200 /yr

$300 /yr

$400 /yr

$600 /yr

Alternative treatment

–

–

$350 /yr

$350/yr

$350/yr

$350/yr

Breeding, Fertility, Pregnancy

–

–

Emergency only

Emergency only

Emergency only

Emergency only

Medical devices

–

–

$350 /yr

$350/yr

$350/yr

$350/yr

Lost/Stolen pet adds

–

–

$1000 /yr

$1000/yr

$1000/yr

$1000/yr

Third party liability (dogs only)

–

–

–

–

–

–

Accidental Damage

–

–

–

–

–

–

Grooming and Bathing

–

–

–

–

–

–

Pet food, Nutritional supplements, vitamins, natural remedies

–

–

–

–

–

–

Vet fees- Illness or AccidentRoutine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds.Hereditary conditions- are covered for all plansHip Dysplasia- not charged extra and are covered for all plans.Death- not covered.Euthanasia – included in the illness amount for the ‘secure plans’.Cremation – covered upto $1000 for all ‘secure plans’ (0 deductible)Boarding- If you go to hospital for more than 48hrs. Covered upto $1000 for all ‘secure plans’ (0 deductible).Holiday- Covered upto $1000 for all ‘secure plans’ (0 deductible).Cover abroad- max 6 months in USA for all plans.Behavioural problems- Covered upto $350 for all ‘secure plans’Prescription Meds- Included for all plans that cover illnesses.Dental- annual cleaning or problems with teeth or gums. For pets under 5, there is a 14 day waiting period, while for pets over 5, the waiting period is 1 year. Covered from $200-600 for all ‘secure plans’.Alternative treatment- acupuncture, massage, hydrotherapy, chiropractic, and homeopathy. Covered upto $350 for all ‘secure plans’.Breeding, Fertility, Pregnancy- Emergencies are covered only.Medical devices – (ex. wheels at the back for dogs that lose the back)- Covered upto $350 for all ‘secure plans’.Lost/Stolen Pet- Advertising to find pet if lost/stolen/strays. Covered upto $1000 for all ‘secure plans’ (0 deductible).Third party liability (dogs only)- Not Covered for any plan.Accidental Damage- Not Covered for any plan.Grooming and Bathing- Not Covered for any plan.Pet food, Nutritional supplements, vitamins, natural remedies- Not Covered for any plan.

Some Common Questions about Pet Secure Insurance: Lifetime insurer?
Yes- if your pet become sick or injured, it will be covered for the rest of it’s life with Petsecure. For Accidents, your pet will only be covered upto the amount per accident.

Discounts with Petsecure?

Multipet discount: 10% = 3 or more pets, 15% for 6 or more pets off of EACH policy.No online discount (if phone may waive $15 enrollment fee)

Any vet or specific vets only? After hours vets or in home vets?
Any vet, yes

Can the vet be paid directly by Pet Secure Insurance?
No- send it in… some vets may do it… emergencies may work.

How quickly are claims processed with Petsecure?
Cheque is in the mail within 5 days of receiving your claim.

Does Petsecure cover examination fee?
yes

All breeds?
Yes, All breeds can get coverage with pet secure insurance.

Do I stop getting coverage as my dog ages?
No, insure throughout life- no lifetime limits.

Does age affect monthly price?
Premiums don’t rise simply due to aging.
Instead, the deductible will change as your dog ages. It is an annual deductible, so only pay once per year.

Does Petsecure put the monthly price up every year? By how much?
Yes, due to inflation. NOT due to # of claims.

Does Pet secure serve all of Canada?
Yes

Is the monthly amount more depending on where I live?
Yes- EX downtown Toronto more expensive- vets in different areas.

Waiting period for Pet Secure?
Accident waiting period is 48hrs, illness is 14 days. Dental: 14 days for pets under 5, 1 year for pets over 5.

Do rates increase with more claims/penalized for filing more claims?
Deductible will not change with how many claims you make.

Maximum lifetime claim amount?
No lifetime limit on claims.

What is the co-pay with Pet secure?
20%

Extras included?
None to note.

Money back guarantee?
10 days from date they get your application in mail

What Petsecure don’t cover – claims that are directly or indirectly related to:
• Pets under 8 weeks old
• Pre-existing conditions – but some will review if symptom free for 6 months.
• Coverage for activities that result from: racing (wear and tear), breeding, hunting, law enforcement is on a CASE by CASE basis only.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

Please let me knowif you decide to insure with petsecure, and keep EVERYONE updated on how your pet does with them. This helps other pet owners too! Thank you.